Las Vegas, NV · Cert 18113
FDIC · 50 branches
Q3 2015
Market Position · Las Vegas-Henderson-Paradise, NV · 2015 SOD (annual) · 5.7% share · #6 of 38 inst. · $2.6B of $45.9B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.21% | 0.23% | 0.58% | 0.73% | 0.66% | 0.86% | 0.39% | 0.52% | -21 bps | |
| Return on Equity | 2.20% | 2.53% | 6.26% | 7.78% | 7.03% | 9.33% | 4.31% | 5.91% | -187 bps | |
| Net Interest Margin | 2.97% | 2.83% | 2.81% | 2.83% | 2.80% | 2.74% | 2.71% | 2.59% | -24 bps | |
| Efficiency Ratio | 91.15% | 87.03% | 91.35% | 83.69% | 92.59% | 87.01% | 87.60% | 87.25% | +356 bps | |
| Non-Interest Burden | 2.65% | 2.37% | 2.50% | 2.22% | 2.53% | 2.28% | 2.26% | 2.16% | -7 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.05% | -0.51% | 1.79% | 1.69% | 2.94% | 4.63% | 5.63% | 7.17% | +548 bps | |
| Loan Growth (YoY) | 9.46% | 11.14% | 8.77% | 8.89% | 5.44% | 2.47% | 1.54% | -3.90% | -1,279 bps | |
| Deposit Growth (YoY) | -0.39% | 0.62% | 2.58% | 2.01% | 2.78% | 4.56% | 6.12% | 7.84% | +582 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | -0.15% | 0.00% | -0.04% | -0.03% | 0.10% | -1.03% | -0.23% | -0.07% | -3 bps | |
| Allowance / Loans | 3.25% | 3.09% | 2.87% | 2.57% | 2.21% | 2.14% | 2.10% | 1.99% | -58 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | 9.31% | 8.86% | 8.69% | n/a | |
| Total Risk-Based Capital | 16.38% | 16.51% | 16.88% | 16.58% | 16.78% | 17.03% | 17.10% | 17.26% | +68 bps | |
| Equity / Assets | 9.23% | 9.15% | 9.25% | 9.40% | 9.33% | 9.08% | 8.81% | 8.78% | -63 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 64.06% | 63.36% | 62.96% | 66.13% | 65.72% | 62.09% | 60.24% | 58.93% | -720 bps | |
| Liquid Assets / Assets | 18.65% | 18.92% | 19.35% | 16.54% | 16.65% | 19.49% | 20.76% | 22.04% | +551 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |